1 (14 oz.) can Eagle Brand sweetened condensed milk (not evaporated milk)
1 1/2 c. cold water
1 (4 serving size) pkg. instant vanilla pudding mix
2 c. (1 pt.) whipping cream (whipped)
36 vanilla wafers
3 med. bananas, sliced and dipped in ReaLemon lemon juice

In large bowl, combine sweetened condensed milk and water. Add pudding mix; beat well. Chill 5 minutes. Fold in whipped cream.

Spoon 1 cup pudding mix in 2 1/2 quart glass serving bowl. Top with 1/3 each of wafers, bananas and pudding. Repeat layering twice, ending with pudding. Cover, chill, garnish as desired. Refrigerate.

Variation: Substitute pound cake (sliced) for vanilla wafers. Add 1 pint fresh strawberries.